As everyone else has said below it is essential that you seek a Real Estate attorney as soon as possible. There are many things that an attorney can ask you point blank that he/she can determine right away that can help or hurt your case just from a brief phone conversation or in-office consultation. Hope you are able to get this resolved. Take care.

I'm over here in Maryland...same answer...seek legal advise as soon as possible.

The only correct answer as Craig stated is to find a Real Estate Attorney... and quickly

The only way to clear up the deed issue is by getting the person to transfer the ownership to you. This is usually done by having thier interest quick claimed to you through a quick claim deed. However, the bank is not going to look at the deed when foreclosing as much as the mortgage and note. The mortgage is what the bank is sueing on, not the deed. However, the title issue that they may have is the boy friend on the deed. Before jumping in on assuming this loan I would have the title checked to see what has forced the bank to place the foreclosure on hold. Then the next thing you need to consider is it worth assuming the loan. To assume the loan you would have to bring the loan current and pay all outstanding fees. If after all this research I would suggest to get an attorney involved to ensure you protect your self.


Keith Manson
First Weber Group
Certified Distressed Property Expert
Greenfield,Wisconsin

You need to seek legal advice from an attorney and no one else. You can start with you local dept of finance or local housing authority. Before you make things worse. know your rights and know what you are getting into. If there is no equity in the house and you don't have the ability to catch up the mortgage, the house is probably not worth saving. Just a thought.